PlayerCredit

Give your players a real banking experience — request loans, negotiate interest and duration, back them with collateral, and let your staff decide.

PlayerCredit adds a full player-driven loan/credit system to your server. Players open a clean GUI with /playercredit, apply for a loan, propose their own interest rate, duration and reason, and optionally back the loan with items and/or a written note as collateral. Staff members (configurable per-permission or by name) review, adjust and approve or deny requests directly from a menu — no commands to memorize.

A screenshot of the /playercredit main menu GUI, showing the "Request a Loan", "My Loans", "Loan Policy", "Pending Requests" and "Seized Collateral" buttons.

✨ Features

• /playercredit main menu — one command, one GUI, everything a player needs: request a loan, view/manage existing loans, read the server's loan policy. Staff additionally see "Pending Requests" and "Seized Collateral".
• Player-proposed interest rates — the config defines a default rate, but players can propose their own within a configurable min/max range (or you can disable this entirely).
• Player-chosen loan duration — players pick how many days the loan should run (within a configurable min/max range), not just a fixed server-wide value.
• Required reason — players must justify why they need the loan (fully configurable, can be made optional).
• Multiple collateral items — players can place several items (up to a configurable limit) into the request GUI as security for the loan, not just one.
• Written collateral notes — can't put a house, a claim, or land into your inventory? Players can type a free-text description instead of (or alongside) physical items.

The "Request a Loan" GUI with the amount, interest, duration and reason buttons visible

• Configurable approvers — set a permission node and/or an explicit list of player names who can review requests.
• Full review workflow — approvers get notified in chat, open a review GUI with the requester's real head/skin, tweak the amount/interest/duration (buttons or type an exact value), inspect the offered collateral items and note, then accept or deny with one click.

The staff "Review Request" GUI, showing the requester's player head, the editable amount/interest/duration buttons, the collateral items on display, and the Accept/Deny buttons.

• Automatic payout & repayment — accepted loans instantly pay out through your economy plugin (Vault). Players repay 25%/50%/100% or a custom amount from the "My Loans" menu.
• Due dates & defaults — every accepted loan gets a due date based on its chosen duration. Overdue loans are automatically marked as defaulted; staff are notified and can seize the attached collateral via /playercredit collateral.

The "My Loans" overview (a few loans with different statuses: pending, active, paid, defaulted) next to or followed by a single loan's detail screen with the repay buttons.

• In-game policy editor for admins — admins can open the server's loan policy as a real, editable book directly from the "Loan Policy" menu, edit it like any Minecraft book, and save it back into the config with one click — no server restart or file editing needed.

An admin holding/reading the open writable book with the loan policy text, right after clicking "Edit Policy" in the Loan Policy menu.

• Fully configurable policy — min/max loan amount, interest bounds, duration bounds, max active loans per player, required fields, max collateral items, and a free-text policy list shown to players before they apply.
• Bilingual out of the box — English by default, switch to German with one line in the config. All GUI text and messages are stored in editable language files, so you can translate to any language.
• Vault economy support — works with any Vault-compatible economy plugin (EssentialsX, CMI, etc.).
• Persistent storage — all loans (including serialized collateral items) are saved to loans.yml and survive restarts.

📦 Requirements

• Paper or Spigot/Bukkit server, Minecraft 1.20 – 1.21.x
• Vault + any Vault-compatible economy plugin (required for loan payouts and repayments)

🕹️ Commands & Permissions

Command	Description	Permission
/playercredit	Opens the main menu	playercredit.use (default: true)
/playercredit collateral	Opens the seized-collateral claim menu	playercredit.approve
/playercredit reload	Reloads config and language files	playercredit.admin (default: op)

Aliases: /credit, /pc, /kredit

Permission	Description	Default
playercredit.use	Request and manage your own loans	true
playercredit.approve	Review, edit, accept, deny requests & claim collateral	op
playercredit.admin	Reload the plugin & edit the loan policy book	op

⚙️ Configuration

All limits and rules live in config.yml:

language: en   # or "de" for German

interest:
  default-percent: 5.0
  min-percent: 0.0
  max-percent: 25.0
  allow-player-custom-rate: true

loan:
  min-amount: 100.0
  max-amount: 100000.0
  max-active-loans-per-player: 1
  default-duration-days: 7
  min-duration-days: 1
  max-duration-days: 30
  allow-player-custom-duration: true
  require-reason: true
  require-collateral: false
  max-collateral-items: 5

approvers:
  permission: "playercredit.approve"
  players: []   # explicit player names allowed to approve, in addition to the permission

default:
  seize-collateral: true   # claim collateral automatically when a loan defaults

Every player-facing message and GUI label lives in lang/en.yml / lang/de.yml and can be freely edited or translated. The loan policy text itself can either be edited in config.yml directly or, more conveniently, through the in-game book editor (see above).

🖥️ How it works

1. A player runs /playercredit and clicks Request a Loan.
2. They set the amount, their proposed interest rate and the loan duration using the GUI buttons, or type an exact value for each.
3. They write a reason and, optionally, place items in the collateral slots and/or write a collateral note for anything that doesn't fit in an inventory.
4. On submit, all online approvers are notified in chat.
5. An approver opens /playercredit, goes to Pending Requests, reviews the details (including the requester's head, the collateral items and note), tweaks amount/interest/duration if needed, and clicks Accept or Deny.
6. On acceptance, the loan amount is instantly paid to the player's balance and a due date is set based on the agreed duration.
7. The player repays over time (or in full) from My Loans. Once fully repaid, any collateral is automatically returned.
8. If a loan passes its due date unpaid, it's marked as defaulted, approvers are notified, and the collateral (if any) becomes claimable via /playercredit collateral.

💬 Support

Found a bug or have a feature request? Open an issue on the project's page or reach out to the author directly.